NATIONWIDE MORTGAGE 1-9-23

NATIONWIDE MORTGAGE EDITION

GET YOUR HEAD IN THE GAME! COVER STORY

KATHY COLKITT

Tips on

BEING A GOOD TEAM LEADER 5 Reasons Why

YOU NEED A MENTOR

Business Growth Hack:

FEATURED LENDERS

MICHAEL FRAZIER PAULA KELLEY SUNNY FONSECA

ABSORB YOUR CLIENTS’ STRESS!

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Business Growth Hack: Absorb Your Clients’ Stress!

Your business coach or a CRM software sales rep has probably described a number of products or services to help you grow your business. But sometimes the easiest way to increase the deals you’re closing is to simply be present for your clients. In doing so, you’ll find have the power to decrease the stress they feel. And when you decrease their stress, you increase your value to them, leading to new referrals and organic growth.

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You may be thinking, “I have enough stress; how can I find the emotional bandwidth for other people’s stress?” But consider this: As their day-to-day point of contact in this life decision, you are already a strong presence in your client’s lives. Why not allow yourself to be the only seemingly calm part of this process? By asking them what’s on their mind, by truly listening, by showing that you truly understand and even by rolling up

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your sleeves to relieve some of their grunt work, you’ll prove yourself invaluable.

Think of yourself as the equivalent of an anti-anxiety pill to your clients. All you have to do is form a few easy habits.

Laura and Raj, their agent and their loan officer soon came to learn that Laura’s 80-year-old mother may eventually move in with the family. This news not only helped the agent best meet Laura’s and Raj’s needs for a new home; it gave both the agent and the loan officer opportunities to go above and beyond for their clients. Their REALTOR® connected Laura with a senior services nonprofit near Laura’s mom’s current home that may be able to assist the family.

And their loan officer outlined various, detailed options to Laura and Raj make smart, long-term financial decisions.

Meanwhile, the agent and loan officer earned the trust of Laura and Raj, who felt less worried about the future.

Listen – really listen – with patience Behind every home purchase or sale is a person or a family with a uniquely complex set of needs, motivations, objectives and priorities. Asking the right questions and truly listening to the answers are the easiest ways to learn how to make clients’ lives easier. In doing so, you not only show that you’re interested in them as people, but you help yourself discover ways to surprise your clients with service.

Take “Laura and Raj,” for instance – a couple in their 30s who wanted a larger home because their family of five outgrew their first home. By patiently getting to know Top Agent Magazine

Empathize Don’t be afraid to describe your own personal experiences as a homebuyer or seller, explaining how you felt at the time; let your client know you “get” it. The agent who is willing to open up and let buyers and

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sellers know that they personally understand their needs and concerns will connect with clients quickly, break down barriers and help the process move smoothly.

Chayan Alavi, Broker/Owner of Alavi Agency in Long Beach, California, challenges himself and his team to ensure that every action of every day serves others. “If we can put ourselves in other people’s shoes with empathy, then we become stellar professionals and great human beings, too,” he says. “I like knowing that we remove the sales pitch from real estate and make it all about the customer.” Chayan and his team focus on customer advocacy and building trust. But they don’t take trust for granted.

Instead, they know trust must be earned and nurtured over time.

Roll up your sleeves “You can’t be afraid to do anything!” says Matthew Todd of d’aprile properties in the Chicago area. “People know there’s nothing I won’t do to get the job done.” He has 6

mowed clients’ lawns, walked dogs and personally cleaned someone’s 8,000-squarefoot, $2 million home for a showing one day after his seller left the house. Two days before another closing, Matthew’s client was unable to move large amounts of unneeded furniture out of the house he sold. No problem! Matthew joined or created five online garage sales; sold or gave away most of the client’s belongings and had the remainder hauled away before cleaning in time for the closing. “The first time I sit with a seller on listing presentation or the first day I take someone on a buyer’s tour, they know I’m ‘all-in.’”

Meanwhile, in the Cincinnati area, Aaron Denton of Summit Funding considers himself and his team members to be concierges for their borrowers. “We’re like personal assistants,” says Aaron. “People are happier when you remove the stress.” Included in their standard services are researching moving quotes; arranging and organizing movein day; scheduling utility transfers; assisting with children’s school registration paperwork; and even connecting buyers with local resources like daycares.

If “rolling up your sleeves” isn’t your strongest skill, then an easy alternative is to get to know professionals in your area who can do these tasks for you. In the end, remember that by listening with patience, empathizing, and being willing to go the extra mile, you have the power to remove the stress your clients would experience without your help.

When clients feel cared for, they remember the agents and partners who helped them.

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KATHY COLKITT

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Branch manager and loan officer for Geneva Financial, Kathy Colkitt serves all over the Pacific Northwest and beyond, including Washington, Idaho, Oregon, Montana, California, Hawaii, and Arizona.

Kathy fuels her professional and personal life by repeatedly asking, and then answering, the same question each and every day: “Why are we here if we’re not helping people?”

This simple interrogative spurred Kathy to launch her career as a broker, and later as a lender, twenty-six years ago. “I got started back in the day when you had a three-page application, you weren’t allowed to touch the computer, and you called from a phone book. Now, I’ve basically been my own person as far as a loan officer, and for seventeen years I’ve worked from home.” The ability to work remotely helps Kathy support the clients she serves all over the Pacific Northwest and beyond. Kathy Colkitt’s team prides themselves on both their geographic and financial flexibility, and they 8 Copyright Top Agent Magazine

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receive back. I write thank you notes for referrals, congratulation notes when people get funded, and even notes to people who are joining the team. I’m a big proponent of giving gratitude, because without them, I wouldn’t be in business.” At the center of this eternal gratitude sit her two senior team members, Courtney Anderson and Melissa Coleman, who support Kathy Colkitt’s team with their industry expertise on banking and marketing. “I love my team. They’re just the best thing ever, ever, in the world. I always look at it as ‘us’ – we are a partnership.”

By consistently growing over the years, Kathy has empowered herself to extend

are comfortable working with every loan imaginable. Their efforts have culminated in an annual volume that ranges between $28 and $30 million spread across 85-100 units a year. For Kathy, the most important number in her book of business is her rate of referral: “We are 100% referral based – I’ve been that way since my third year in the industry.”

Kathy attributes her tremendous success to a practice and disposition that she has maintained during her entire career. “We do a lot of things here that help us succeed, and giving gratitude for service to clients and partners is more important than everything else because when we give, we Top Agent Magazine

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Kathy’s Speaking Engagements • • • • • • •

Lending Education Homebuyer 101 Real Estate Industry Updates Community Workshop Events Business Partnerships for Employee Benefits Education Program Lunch and Learns “Make Your Money Magic” Reverse Mortgage Seminars “Cookies with Kathy”

Kathy’s Here to Serve!

her gratitude to her family and greater community. She is a former Kiwanis president and board member, a basketball and softball coach for seventeen years, and she and her husband were foster parents. “We have two daughters who both raised pigs or rabbits that went to market at our local fair, and for numerous years now, we’ve bought steers and hogs to have them butchered and sent to Citygate Downtown.

They feed about 46,000 people a year, and they don’t have any meat, so we started donating that way. We also started AdoptA-Family for Christmas food, gifts, etc. and over Thanksgiving, we founded with 10Copyright Top Agent Magazine

friends the ability to feed families on Thanksgiving day. I just love to give – I don’t even care who it is – if we have a friend in need, we just make it happen.”

When she’s not busy growing her enterprise or supporting her neighbors, Kathy enjoys celebrating with her family, particularly her youngest adopted daughter who recently graduated from college! “I’m in the process of writing a book on my oldest daughter – as she passed at age 26 and the book is about advocacy and being heard.

When I can I work on my daughter’s book and keep an eye out for our wildlife like Top Agent Magazine

Client Appreciation / Homemade Fudge for the Holidays

Mac the Moose who lives in my backyard, that makes me very happy.”

Kathy has a grand online presence with video series including “Kathy’s Corner,” “Lender Alerts,” “Mortgage Minute,” and more. Find Team Kathy Home Loans on Facebook, Instagram, TikTok, LinkedIn, Twitter, & YouTube. Kathy and Melissa have also developed two phenomenal interactive digital books: “Lending Your Way” for traditional loans and “Retire Your Way” for reverse mortgage loans with numerous videos from clients discussing their reasons for choosing a certain loan program along with their 5-star experiences with Kathy’s team.

Giving Back to the Community / Ronald McDonald House

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For more about Kathy Colkitt, visit kathyhomeloans.com, www.

email teamkathy@genevafi.com, or call (509) 999-6464

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Tips on Being a Good Team Leader Your business is booming, so much in fact, that you’ve finally made the decision to start a team. You’ve made sure it’s financially feasible, and you’ve found the right people, but there is still one other component of a successful team. And that’s an effective leader. It’s your job to not only generate business, but to motivate your team, which in turn increase productivity. Here are a few simple tips on being a good team leader.

1. Evaluate each team member, making sure to utilize their strengths Hiring the right people is one of the first steps in creating a successful team, but once you have those people it’s really Top Agent Magazine

important to figure out where they best fit into the operation. Having every team member be an ‘expert’ in their part of the process leads to seamless transactions and a business that runs like a well-oiled machine.

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Of course it’s also important to create a supportive atmosphere that allows team members to stretch beyond their comfort zones, under your guidance. It’s to the whole team’s advantage when people take initiatives to up their game by taking additional training or mastering a new and innovative technology that can improve productivity. The key is to constantly evaluate not only your systems but the people running them. It’s your job as a leader to encourage that personal growth while making sure to always protect against any major misfires. Which leads us to…

2. Always reevaluate what is and isn’t working It’s a good idea to have a weekly meeting where the whole team can convene and go over any snags they may have hit in the systems that you developed when starting your team. Your team is in the trenches with you and since everyone probably focuses on a different aspect of the transaction, it’s important to make sure things are working on every level. Make sure copious notes are taken during these meetings so you have a track record of what was suggested, as well as a history of things that may have been tried and the results.

Another good thing to focus on in these meetings is goal setting. Set weekly and monthly goals, and use the meetings to discuss what’s being done or needs to be done to meet them. When goals are met, it’s a great bonding experience for everyone. When they aren’t, it’s a moment to learn how you can do better in the future.

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Don’t forget to always take in what you can do to be a better team leader as well.

3. Stay connected and in communication These are your team members! There’s more to that than just a label. Be connected to them on a daily basis. Clear, open and honest communication is important on a busy team and that’s much easier if you actually like and trust your co-workers.

Sure you want to succeed for yourself, but knowing that other people you respect are counting on you, is an additional motivating factor, that is certain to lead to everyone going above and beyond creating a wildly successful business.

4. Be inspiring and supportive If you’re enthusiastic about what you’re doing, it really will be infectious. Encourage innovation and creativity. Yes, systems and consistency are great but don’t let your team get in a rut either.

Support their individual careers, always encourage them to go for more, let them rely on you for mentorship. If they sense that you want each member to succeed as much as you have, you won’t find more loyal employees. And perhaps most importantly focus on what’s being done right. Don’t be the boss that just points out things they don’t like. Let them know when they’ve done an amazing job and be specific about what it is. Make them feel valued and they will become a valuable asset to you and your business.

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MICHAEL FRAZIER Throughout his 27 years in the mortgage industry, Michael Frazier has stood out as a trusted guide for clients and colleagues alike. Michael’s unstoppable work ethic on behalf of his clients translates into results when it comes to getting them clear to close on their loans, and his expertise in the industry truly sets him apart.

As Broker/Owner of Home Lending Pros LLC, Michael handles a variety of loan types, with a specialty in government loans including FHA, VA, and USDA. “Many originators are not comfortable with anything but conventional loans, but I’ve never shied away from those,” Michael explains. “I also do a fair amount of conventional and non-QM business.

And as a disabled veteran, I enjoy working with other veterans when it comes to VA loan financing.”

Michael’s business comes to him through a combination of online marketing, referrals from past clients, and referral partners such as REALTORS®, builders, and other lending institutions looking for a solution for their turndowns. It’s easy to see why people keep coming back and referring their friends and family. “The difference is in the way other people look at me in the business,” Michael says. “I still get a lot of phone calls from originators who work for other companies who I’ve maintained friendships with over the years, primarily because they consider me to be somewhat of a technical expert in the business. If they’re struggling with a loan or trying to get it qualified, they’ll call me to help them figure out how to get it done. I just have that personality where I don’t give up, and we don’t give up on our customers.”

For Michael, the relationships he forms along the way are a highlight of the business. “I get a lot of gratification out of helping people get into a home,” he says.

“I also enjoy the technical aspect of it: digging in, running the numbers, and finding the right program that’s the best fit for the borrower. But I especially enjoy the relationship with the borrower. The ones I stay in touch Top Agent Magazine

with and stay in touch with me are what brings me a lot of joy in the long run.”

Outside of the mortgage business, Michael loves working with horses, as well as doing anything outside. He enjoys working out and is a self-described “health nut” who enjoys staying fit and healthy. He is also involved in his local church.

Looking toward the future, Michael says, “I want to grow my company, but grow it organically.

I want to make sure we’re always in compliance and that we have the right processes in place for our customers and our referral partners. That way we can provide excellent communication. I’m more interested in having it done well. I just want to have a good solid business that is meeting the community’s needs.”

Overall, Michael adds, “I really enjoy writing mortgages. One of the best kept secrets in our industry is the flexibility that this business offers. I don’t think there’s a better industry you can be in, as far as flexibility and what you can create in wealth for your family and for other people.”

To get in touch with Michael Frazier, please call 704-459-1944, email mfrazier@homelendingpros.com, or visit homelendingpros.com www.

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Get Your Head in the Game!

By Barry Eisen

Can you think of any top athlete in any sport who is inconsistent in prepara­ tion, has little focus, has no defined game plan, and has low confidence and self-esteem? If you can, you’re not thinking of a top athlete, you’re thinking of a wanna-be poser. There are lots of gifted and talented people in sports, but the world doesn’t care as much about the talent unless it shows up, demonstrates focus, shows a dedicated plan of action and acts like success is the natural by product of all the previous preparation.

The same scenario is true about successful entrepreneurs. You’d be hard pressed to think of a winner who wasn’t prepared, focused, strategized and confident.

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The stories about Ben Hogan, Jack Nicklaus, Billie Jean King, John McEnroe, Kobe Bryant, Michael Jordan, Michael Phelps, Lionel Messi, Amanda Beard, and thousands of other sports greats share many When you hear negative basic success principles.

Think of the Captains of Commerce in your business and chances are the success principles are much the same.

messages in your mind... take a deep breath and replace them with supportive words.

I’ve been privileged to have worked with some of the very best in sport and business over many years and this is some of what I’ve learned from them.

5 ideas for stepping up your game.

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Preparation is what creates confidence. Don’t work on confidence.

Practice more. Whether it’s practicing getting out of the starting blocks quickly in the 100 meter dash, efficient flip turns in the pool, chipping onto the green from 30 yards away or rehearsing business presentation scripts, introducing yourself while knocking on doors, or closing assertively after a strong presentation...you can’t get around practice/preparation. Check out “the 10,000 Hour Rule,” in Gladwell’s, Outliers. Ya gotta do the work!

Mental practice in a relaxed state of mind (self-hypnosis) can speed up the success process from 2-5 times. Read almost any autobiography of a successful athlete or business personality and recognize this common trait; almost all successful people saw and savored the end result in their quiet, meditative states first.

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The quality of Self-Talk is a big reason for the separation between superstars and the herd that follows. It’s easy to be positive and use positive words when things are going great and your attitude is up. One way of getting and keeping an “up” attitude is to silently tell yourself what the outcome of the next event will be...where the ball will land, your time for the 100 butterfly, the height of the high jump you’ll clear, the room you’ll mesmerize with your speech, the powerful listing presentation you’ll Top Agent Magazine

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give today, etc. The result of negative self-talk (self fulfilling prophesy) is obvious...poor posture, unfocused, procrastination, fear. Self sabotage!

When you hear negative messages in your mind...take a deep breath and replace them with supportive words. This will get easier and more automatic with practice and so will your successes.

(If you don’t achieve what you set out for...it doesn’t matter...keep doing this.) The difference in how the ultimately successful get to where they are and where everyone one else gets, is how soon you pull the plug and quit.

Raise your game by staying in it. As you shift your mind your game will improve/your business will improve.

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Visualize the self-talk. Pictures make more and deeper neurological impressions. A picture IS worth a thousand words. The greats in every sport played the game, walked the course, saw the 100 mph fastball come in, saw the touch at the pool’s wall, broke the beam at the finish line well before their bodies were involved. Your actions are based on your thoughts.

Don’t be random. Choose successful pictures that move you forward.

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Feel the satisfaction of success for just a moment. How would it feel hitting that perfect dive, making the 20 foot putt, running your personal best in a 10k, nailing that listing presentation, passing that test?

Allowing the neurotransmitter dopamine to flash through the pleasure centers of your brain, reinforces the positive goal towhich you are moving.

We do things to maximize pleasure or to minimize discomfort. As you associate the task or goal with a positive feeling, you’ll approach the task/ goal with a more open, “CAN DO,” attitude. It’s attitude not aptitude that usually matters more. Like a pep talk before a game, like a supportive hand on a child’s shoulder before a test in school, like a smile from a prospect that says, “I’m open to what you have to say,” feel good about what you’re here to do. You’ll make changes, not because you need to or want to, but because it feels good. Take the kicking and screaming out of your life to experience a more centered and focused energy.

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Relax before you compete/take care of that piece of business. Some use music, some meditate, some create physical rituals (eat a certain food, do push ups, clap hands, stretch, a couple of breathes (and a whole lot of other crazy things you’ve seen. It ain’t crazy if it works.) Create a small ritual that focuses you in the last moment before the event/business presentation/prospecting/public speaking...

Some sport psychology is about emotional, social and or physical issues, more to be addressed by qualified coaches, counselors or therapists, trained to deal with psychological baggage and physical scars. Some business leaders sit in with therapists and coaches to sort out individual blocks.

But after all the analysis is said and done, the smart ones go back to the basics. See the ball, hit the ball.

Copyright©, 2016 Barry Eisen. All rights reserved.

Barry Eisen teaches personal development seminars and coaches Southern California top producing REALTORS®. “Your business will never grow more than you do” is the theme; self hypnosis and behavior modification are the tools for playing a bigger game. barryeisen.com, barryeisen@LA.twcbc.com 818-769-4300 Top Agent Magazine

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PAULA KELLEY Mortgage broker Paula Kelley is known for tackling the hardest loans and getting them done when no one else could. Her high level of success comes after 36 years of working in the mortgage industry for a local bank, rising her way to the top and eventually opening her own brokerage one year ago. Now overseeing three loan officers and a processor, Paula brings an in-depth knowledge of all types of loans, from FHA to VA, USDA, conventional, Jumbo and more to every transaction she does. Her reputation for quality, integrity and excellence precedes her, making her highly sought after in the industry.

Whether working with first-time homebuyers or couples wishing to purchase a vacation home, Paula is extremely professional and efficient. Her business is based entirely on referrals, which is no doubt an indication of the type of experience she provides. “My referral partners and real estate agents know that if I say I can get a loan done, I can. The trust factor is very high,” she explains.

To keep communication with clients flowing throughout the years, Paula sends out bi-weekly newsletters and frequently schedules lunches

to address questions in person. As a mortgage broker, she feels like she is able to stay very nimble with the solutions she can offer, which brings a lot of value to her clients. “I’ve heard that brokers are better and it’s true — we really are. You’ll get better rates, lower fees, and more options working with an independent mortgage broker,” she explains.

Actively involved in her community, Paula serves on the local Board of REALTORS®.

“We are currently working on starting grants for first-time homebuyers, which will help a lot of people in our community,” she says. She’s also the Treasurer and Secretary of her church and volunteers with her husband on community outreach programs. In her spare time, Paula loves to read, bike, and do water sports. “We live on an island in the Chesapeake Bay, so we are always having fun on the water,” she says.

With an office based in Easton, Maryland, Paula plans to grow her business next year by adding two more loan officers and opening a new office in Virginia. She just got licensed in Virginia and is planning to get licensed in Florida and Pennsylvania as well, opening up even more possibilities to expand. No matter where she goes next, her expertise in all types of loans is clear to everyone she is working with.

“My clients’ needs are diverse and it’s very gratifying to help them accomplish their goals.”

To learn more about Paula Kelley, call 410-591-5239, email Paula@elitelendingservices.com or visit elitelendingservices.com www.

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5 Reasons Why You Need a Mentor As great as it might feel to start your own business, and be solely responsible for its success, at some point, every entrepreneur reaches the limit of their potential, and needs a boost that only experience can provide.

But how do you get a lifetime of experience when you’re just starting out? Sure you can read countless books, but no book can replace the real life experience and advice of a mentor.

Mentors not only provides valuable insights, but they also have access to valuable connections as well. In fact a majority of the Top Agent Magazine

most successful CEOs and entrepreneurs in the country have said that having a mentor early on was instrumental in their success.

Here are some of the reasons why.

1. They’re able to see where you need improvement, when you can’t When you’re working non-stop to get your business off the ground, you might feel sensitive to any criticism from people who aren’t going through what you are. A good

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mentor knows exactly what you’re going though, and has probably made every mistake. When you’re in the thick of it, you might not be able to see where the problems are. A knowledgeable outsider, who knows exactly where you’re at and has only your best interests at heart is just what you need.

When you have a trusting relationship with someone like that, you will be more willing to listen to that brutal honesty, even if that constructive criticism stings.

energy into it. They can see things in a completely logical way and guide you based on the facts rather than emotion. A good mentor helps you work smarter, not harder. They help you focus on your goals and how to get there, as well as setting boundaries for you so you don’t overextend yourself. They teach you how to say no and help you let go when you need to move on from a setback.

2. They will encourage you to think outside of the box

In addition to expertise, building a strong network is something that can only come with time. A mentor will most likely have that already, giving you access to people and resources that would take others years to gain. These connections will lead to opportunities that might never have happened otherwise. It’s also a great confidence boost knowing that your mentor trusts and believes in you enough to invite you into their inner circle.

Years of experience can give someone a great idea of what works and what doesn’t.

They’ve seen things first hand, not just in theory. At the same time, mentors recognize the importance of taking chances, calculating risks, as well as cutting losses and moving on. A good mentor isn’t trying to encourage you to be a carbon copy of them, they are trying to create the best ‘you’ possible. That includes encouraging you to take chances, and then being there pushing you to keep going forward if it doesn’t work out.

A good mentor knows that even failures can be opportunities.

3. They take the emotion out of decisions and help set boundaries Unlike you, a mentor has no emotional investment in certain business approaches that you might have decided to try. There’s nothing harder than admitting something isn’t working when you’ve put a lot of time and 22

4. Networking

5. Encouragement At the heart or it all, a mentor offers you encouragement and motivation along the way, in good times and in bad. After a failure, it can be hard to get back on track and keep forging ahead. It helps to have someone who has spent year getting back up after being known down and coming out stronger than ever. It’s during those moments, when you feel alone and isolated, that having someone around offering you advice and positive feedback will be a much needed salve. They’re your cheerleader, they want you to succeed, and hopefully, you’ll pay it forward one day when you become as successful as them.

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SUNNY FONSECA When Sunny Fonesca entered the banking industry in 2005, she discovered her passion for mortgages. “I fell in love with numbers and the entire mortgage process,” she explains. “So I knew I had to transition into this side of the business.” Surviving the market crash of the late 2000s, Sunny’s confidence in her career choice became even more solidified, and today she is thriving as a mortgage broker in Florida. Working with a team of four loan officers and an in-house processor, Sunny goes above and beyond to meet her clients’ needs. She is able to offer all types of loans, including Jumbo, FHA, commercial, and private funding.

Much of her business consists of repeat clients and referrals, and she has a large network of real estate agent partners.

“I really aim to educate my clients,” Sunny explains.

“And I always answer the phone and respond.” Sunny understands the importance of each transaction, and wants the process to go as smoothly as possible.

She eliminates stress by keeping everyone involved updated at all times. When it comes to choosing a loan, she gets to know her clients and their circumstances, recommending a product that will suit their lifestyle. “I always keep them informed about all the programs available, and let them know what the market is looking like currently,” she says. This helps buyers determine their next steps and find a plan that they’re comfortable with for the long-term.

Producing $30 to $40 million each year, Sunny is highly experienced and able to provide unparalleled

guidance. She finds joy in making homeownership a reality for those she serves. “My favorite part about what I do is when clients call me and say, ‘I never thought in a million years I would be a homeowner,’ it’s the best feeling.” Those interactions keep Sunny motivated, and inspire her to assist more people with their real estate needs.

When Sunny isn’t working, she stays active in the community through the local REALTOR® Association and the Key West Chamber of Commerce.

She also sponsors youth sports.

During her free time, she enjoys attending her kids’ softball and baseball games, where she networks and educates other parents about mortgages.

Looking ahead, Sunny plans on launching a YouTube channel and a podcast, where she hopes to inform others about market trends and how to survive the ever-changing real estate world. “Our goal is to teach consumers about everything to do with real estate, whether it’s lending rates, home prices, or anything in between.”

If she were to impart one piece of advice upon anyone thinking about becoming a homeowner, she would tell them to not be afraid. “You have to start somewhere, and if you feel like your credit score isn’t high enough, or another aspect of your financial picture isn’t up to par, there are ways around it.

Always seek advice from a loan officer before you start shopping, so you can gain a clear picture about your numbers and what to do next.”

For more information about Sunny Fonseca, please call 305-877-3451 or email sunny@mortgageprofl.com Top Agent Magazine

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